Once again, it boils down to your own personal financial circumstances.
I have no credit score/history other than a bank account that’s always been in the black. I am on very limited income. I therefore have no chance of saving or borrowing for a decent used car – let alone a new one or leased one. So Motability is my only option and, to be honest, I’ve never had the money from my DLA as it’s always gone straight to MB over the past 30-odd years in lieu of a new car every three years.
My current car (and my next one) cost approx £26,000 new. I really don’t have any choice other than to remain on the MB scheme. At this moment in time, I’m okay with that. I won’t miss what I’ve never had!